If you can't find the answers you're looking for, please give our debt team a call at 844-249-2366
how can you help me?
Great Question! Debt repayment programs are not necessarily a solution for anyone with debt. However, for the right person, these programs can be life changing!
We highly encourage anyone considering debt help, bankruptcy, or simply a better solution to their debt resolution goal to take advantage of our free credit counseling service. The credit counseling service is provided over the phone and takes anywhere from 10 - 40 minutes depending on how many questions you have and how many debt accounts you are hoping to resolve. This service is a pressure free educational offering that will help you to determine which debt relief plan is best suited for your financial goals.
You can arrange time with a member of our debt team by requesting an appointment here.
Alternatively, you can begin your credit counseling session right away by giving us a call at 844-249-2366
We highly encourage anyone considering debt help, bankruptcy, or simply a better solution to their debt resolution goal to take advantage of our free credit counseling service. The credit counseling service is provided over the phone and takes anywhere from 10 - 40 minutes depending on how many questions you have and how many debt accounts you are hoping to resolve. This service is a pressure free educational offering that will help you to determine which debt relief plan is best suited for your financial goals.
You can arrange time with a member of our debt team by requesting an appointment here.
Alternatively, you can begin your credit counseling session right away by giving us a call at 844-249-2366
WHAT MAKES US THE BEST CHOICE FOR DEBT RELIEF?
We have learned that when it comes to debt repayment, the most valuable services we can offer our clients are transparency, friendly and knowledgeable client service and regular communication about progress.
Any company that has been in business for a significant amount of years will have serviced thousands of people’s debt - what matters is the experience that those clients had during their debt repayment journey, and whether or not they were successful.
As a not for profit debt repayment agency, we prioritize the client experience and educating our clients about their options so that they can make an informed decision about the best path for debt repayment. We offer a variety of debt solutions, so that our clients, who are individuals and families of all backgrounds and income levels will be able to choose an affordable program that best suits their financial goals.
Any company that has been in business for a significant amount of years will have serviced thousands of people’s debt - what matters is the experience that those clients had during their debt repayment journey, and whether or not they were successful.
As a not for profit debt repayment agency, we prioritize the client experience and educating our clients about their options so that they can make an informed decision about the best path for debt repayment. We offer a variety of debt solutions, so that our clients, who are individuals and families of all backgrounds and income levels will be able to choose an affordable program that best suits their financial goals.
what kind of debt can i enroll?
Our debt repayment programs are designed for unsecured debts, including:
- Credit card debt
- Medical debt
- Personal loans
- Private student loans (*most student loans are not private)
what are the fees in the debt repayment program?
The initial credit counseling session is entirely free! Depending on which type of program you choose for enrollment, what state you live in and the amount of debt that you enroll, program fees may vary. You will be advised of the fees, prior to enrollment.
what will happen to my credit score?
This is a very important question! As part of our commitment to helping consumers achieve financial freedom from their debts, we are proud to offer a debt repayment program that avoids negative impact to the client’s credit report. This program continues making on time payments to your creditors, paying down debt quickly.
In certain circumstances, our clients who have experienced hardship are unable to afford their monthly creditor payments and elect to enroll in a program that will substantially reduce the balance of their debts owed. This program’s monthly payment is significantly lower and will have a negative impact on our client’s credit profile.
In certain circumstances, our clients who have experienced hardship are unable to afford their monthly creditor payments and elect to enroll in a program that will substantially reduce the balance of their debts owed. This program’s monthly payment is significantly lower and will have a negative impact on our client’s credit profile.
How long will it take to pay off my loans?
As you may have imagined, this depends on the amount of debt that you enroll and the amount of your monthly payment. However, most clients who enroll in a debt repayment program with significant debt amounts will resolve their debt in 12-36 months.
DO YOU OFFER LOANS?
We do not make loans. We don't believe people should take on more debt to pay off existing debt. Debt repayment programs are actually an alternative to high-interest loans!! Typically, new loans carry high interest rates and offer no advantage over simply "consolidating" the debt at a lower rate.
HOW CAN I TRUST THAT A GSDM DEBT REPAYMENT PROGRAM WILL SUCCESSFULLY RESOLVE MY DEBTS?
Understandably, there can be a lot of skepticism when it comes to debt repayment programs. When most of our clients enroll in a debt repayment program, they are overwhelmed by their financial circumstances and have spent a great deal of time and energy working their way out of debt. It’s a tough position to be in. Our mission is to be the light at the end of the debt tunnel!
Since 2003, when we opened our doors to the community, we have maintained an A+ rating with the BBB by prioritizing the client service experience, offering continued financial education and offering the most affordable debt repayment service available.
Since 2003, when we opened our doors to the community, we have maintained an A+ rating with the BBB by prioritizing the client service experience, offering continued financial education and offering the most affordable debt repayment service available.
Who is in control of the account where funds are held during the settlement process?
You are. This separate trust account is setup in your name and any funds deposited into your savings account are still owned by you.
is this something I can do on my own?
Certainly! You could also build your own house or write your own mortgage, but the majority of people would agree that some things are best handled by professionals. For almost 20 years we have been building a network of strategic creditor relationships that allow us to negotiate more aggressively, on behalf of our clients. Our team of debt experts save clients thousands of dollars each month.
